Privacy Policy

Anchor General Insurance Effective Date: [11/1/2026] Last Updated: [11/1/2026]

Anchor General Insurance (“Anchor General,” “we,” “us,” or “our”) is committed to safeguarding the privacy of our customers and website visitors. This policy explains what personal information we collect, how we use and protect it, and the choices and rights available to you.

(1) Information We Collect

We collect the following categories of personal information:

  1. Website Information. Information about your device and your visits to and use of our website, including your IP address, browser type and version, operating system, referral source, page views, and website navigation.
  2. Transaction Information. Information relating to transactions between you and us, including insurance coverages, limits, rates, payment history, claims history, and information required for billing and payment.
  3. Application Information. Information you provide through your agent or broker, by phone, or online, including your name, street address, phone number, driver’s license number, date of birth, gender, marital status, vehicle information, and information about other drivers listed on your policy.
  4. Mobile Information. If you opt in to receive text messages from us, your mobile phone number and a record of your consent and any opt-out request. Mobile information is governed by Section 4 below.

Sources of Personal Information

We obtain the personal information listed above from the following categories of sources:

  • Directly from you: From forms, quotes, applications, surveys, payments, and phone calls you complete with us or your appointed agent or broker.
  • State Departments of Motor Vehicles (DMVs): Driver license verification, registration data, and official Motor Vehicle Reports (MVRs), including driving violations, accidents, and license suspension history.
  • Third-Party Loss & Claims Reporting Bureaus: Industry claims databases (such as the Comprehensive Loss Underwriting Exchange / LexisNexis C.L.U.E.) to review past automobile loss and claims history.
  • Consumer Reporting Agencies: Credit bureaus and insurance scoring services subject to the Fair Credit Reporting Act (FCRA), where permitted by State insurance laws.
  • Your devices and automated technologies: Server logs, cookies, and tracking technologies when you browse our website or digital customer portals.

(2) Cookies and Analytics

A cookie is a small file sent by a web server to your browser and stored on your device. It is returned to the server each time your browser requests a page, which allows the website to recognize your browser.

We use persistent cookies so our website can recognize you when you return. Persistent cookies remain on your device until you delete them or they reach their expiration date.

We use Google Analytics to understand how visitors use our website. Google Analytics uses cookies to generate statistical information about website use, which Google stores and uses to produce reports for us. You can review Google’s Privacy Policy. Google Analytics does not receive your mobile phone number or text messaging opt-in data.

Most browsers let you block all cookies or only third-party cookies through their privacy or security settings. Blocking all cookies may affect the functionality of this website.

(3) How We Use and Disclose Your Personal Information

We use personal information to provide quotes, underwrite and service insurance policies, process payments and claims, communicate with you about your account, prevent fraud, and comply with legal and regulatory obligations.

We do not sell, rent, or trade your personal information. We do not share your personal information with third parties or affiliates for their marketing or promotional purposes.

We disclose personal information only as necessary to administer your policy, for example:

  • to your appointed agent or broker;
  • to service providers that process information on our behalf under written contracts that restrict its use to the services they provide to us; or
  • as required by law or regulation.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

All financial transactions made through our website, along with any related complaints and inquiries, are treated as confidential.

(4) SMS / Text Messaging Privacy

Opt-in data is never shared. Text messaging originator opt-in data and consent will not be shared with any third parties or affiliates under any circumstances. We do not sell, rent, lease, trade, or transfer mobile phone numbers or SMS consent to any third party for any purpose, including marketing or promotional purposes.

How we use your mobile number. If you opt in to receive text messages from Anchor General Insurance, we use your mobile number solely to send the messages you requested (such as policy, billing, and claims notifications) and to honor your opt-out requests.

Program details.

  • Message frequency varies.
  • Message and data rates may apply.
  • Reply STOP at any time to opt out. You will receive one confirmation message, and no further messages will be sent.
  • Reply HELP for assistance, or contact us at info@anchorgeneral.com or (800) 542-6246.
  • Carriers are not liable for delayed or undelivered messages.

Opt-out records. We retain a record of your opt-out solely to ensure you are not contacted again by text message.

(5) Security of Your Personal Information

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information against loss, misuse, unauthorized access, alteration, and destruction.

We implement defense-in-depth protections, including multi-factor authentication (MFA) for administrative and remote access, role-based access control (RBAC), end-to-end TLS 1.3 encryption for data in transit, AES-256 encryption at rest for sensitive data (such as driver’s license numbers and financial payment credentials), continuous vulnerability assessments, and firewall-protected environments.

No method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. In the event of a security breach or incident affecting your unencrypted personal information, we maintain an incident response plan to investigate, remediate, and provide notice to affected individuals and regulatory authorities in compliance with California Civil Code § 1798.82, the California Insurance Information and Privacy Protection Act, and California Department of Insurance regulations.

You are responsible for keeping your account password and login details confidential. We will never ask for your password except when you log in to our website.

(6) Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy, including servicing your policy, handling claims, and meeting legal, regulatory, and recordkeeping requirements. When information is no longer needed, we securely delete or de-identify it.

We retain personal information by category as follows:

  • Policy and Underwriting Records: 5 to 7 years following policy cancellation or expiration.
  • Claims Records: 5 to 7 years following claim closure (or until the age of majority plus statutory filing limits for claims involving minors); provided, however, that any claim file or related record subject to an active legal hold, insurance coverage dispute, bad faith claim, regulatory investigation, or pending litigation must be preserved and exempt from destruction until final disposition, complete settlement, and the expiration of all available rights of appeal.
  • Billing and Financial Data: 7 years from transaction date for regulatory and tax compliance.
  • Unconverted Quotes and Inquiries: Full personal information (including contact details, vehicle identification numbers, and driver’s license numbers) is retained for up to 180 days from submission for customer support and follow-up rate inquiries, after which it is permanently purged. Information retained beyond 180 days for actuarial research, rate filing benchmarks, or system testing is strictly de-identified or aggregated by stripping all direct identifiers, precise addresses, and credential numbers.

(7) Your Rights

Access and correction. You may ask us to provide the personal information we hold about you or to correct information that is inaccurate. To protect your privacy, we will verify your identity before responding, typically by matching your name, address, telephone number, and policy number. We may withhold information to the extent permitted by law.

California residents.

  • Insurance Policyholders and Applicants (IIPPA / GLBA): Information collected from individuals who apply for or obtain insurance policies is governed primarily by the California Insurance Information and Privacy Protection Act (Cal. Ins. Code §§ 791 et seq.) and the federal Gramm-Leach-Bliley Act (GLBA). Under these laws, you have specific rights to access and amend your recorded personal information related to policy underwriting, billing, and claims servicing. Because we are required by state insurance regulations to maintain these records, statutory retention rules supersede general deletion requests.
  • Website Visitors and Unconverted Inquiries (CCPA/CPRA): Information collected through public website interactions, marketing forms, unconverted quotes, or general inquiries is governed by the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

To the extent your personal information is governed by the CCPA/CPRA, you may have the right to:

  • know the categories and specific pieces of personal information we collect, use, and disclose;
  • request deletion of personal information;
  • request correction of inaccurate personal information;
  • not be discriminated against for exercising these rights.

Use and Disclosure of Sensitive Personal Information: We collect sensitive personal information (such as driver’s license numbers and payment credentials) solely to provide quotes, underwrite and service policies, verify identity, process payments, and comply with legal requirements. We do not use or disclose sensitive personal information for purposes other than those permitted by California Civil Code § 1798.121 and 11 CCR § 7027(m). Consequently, we do not offer a “Limit the Use of My Sensitive Personal Information” link.

We do not sell or share personal information as those terms are defined under California law. To submit a request, contact us using any method in Section 11. We will confirm receipt within 10 business days and respond within 45 days, or notify you if we need an extension of up to an additional 45 days. You may use an authorized agent to submit a request on your behalf, subject to verification.

(8) Third-Party Websites

Our website may contain links to other websites. We are not responsible for the privacy practices or content of third-party websites, and we encourage you to review their privacy policies.

(9) Updating Your Information

Please contact us if the personal information we hold about you needs to be corrected or updated.

(10) Changes to This Policy

We may update this policy from time to time. The updated version will be posted on this page with a revised “Last Updated” date. Material changes will be highlighted on our website.

(11) Contact Us

If you have questions about this policy or our handling of your personal information, contact us:

  • Email: info@anchorgeneral.com
  • Phone: (800) 542-6246
  • Mail: Anchor General Insurance Agency, Inc., Attn: Privacy Office, P.O. Box 509020, San Diego, CA 92150-9020